Tammy Flanagan

Tammy Flanagan has spent 30 years helping federal employees take charge of their retirement by understanding their benefits. She runs her own consulting business at and provides individual counseling as well as online training for the National Active and Retired Federal Employees Association, Plan Your Federal Retirement as well as the Federal Long Term Care insurance Program. She also serves as the senior benefits director for the National Institute of Transition Planning Inc., which conducts federal retirement planning workshops and seminars.

For more retirement planning help, tune in to "For Your Benefit," presented by the National Institute of Transition Planning Inc. live on Federal News Radio on Mondays at 10 a.m. ET on WFED AM 1500 in the Washington-metro area. Archived shows are available on

Results 111-120 of 516

Advice From a TSP Millionaire

April 10, 2014 As we continue to celebrate Financial Literacy Month, I’ve been thinking about a column I wrote in February about one of the Thrift Savings Plan’s newest millionaires, Jim, who had just achieved a seven-figure balance in his TSP account and was getting ready to retire from his federal job. Now...

The 5 Percent Solution to Retirement Security

April 3, 2014 It’s April, and that means warmer temperatures are finally here and it’s time to plant flowers. It also means it’s time to consider your financial literacy. For more than 10 years, April has been officially designated as Financial Literacy Month in the United States. (Maybe that has something to do...

What Happens to Your Life Savings?

March 27, 2014 Some people might think that if they time it just right, they’ll spend all the money they’ve saved for retirement and die penniless. But more often than not, this is not the case. And that’s actually a good thing, don’t you agree? Before we had the Thrift Savings Plan and...

Is Paperless Retirement Processing the Answer?

March 20, 2014 Advances in technology are improving our lives every day. But when it comes to federal retirement benefits processing, there’s a long way to go. New retirement claims are still being processed manually with paper retirement application forms and printed documentation of federal service records. The result is long delays and...

Retirement Quiz: The Basics

March 13, 2014 It’s quiz time! I’ve designed this one to cover some of the basics, with relatively new federal employees in mind. But midcareer and pre-retirement age federal employees may also find they have a few things to learn. There is no minimum age to make contributions to an Individual Retirement Arrangement....

Answers to Retirement Quiz: The Basics

March 13, 2014 Click here to return to the quiz a. True. Anyone can make IRA contributions as long as they have earned income. A parent can contribute to an IRA for a child up to the annual amount of the child’s earned income or to the amount set by law each year...

Health Insurance Questions and Answers

March 6, 2014 Last week, we covered the subject of the relationship between Medicare Part B and the Federal Employees Health Benefits Program. Not surprisingly, this topic received a big response. Many readers commented that it is a good idea for retirees to have both Medicare Part A and Part B coverage, along...

The Big Health Insurance Question

February 28, 2014 Turning 65? If you are like most federal retirees and employees, you might be feeling confused and unsure of how Medicare will work with your Federal Employee’s Health Benefits Program coverage. This is a topic that always gets a lot of questions and some debate during my pre-retirement seminars. Most...

The TSP’s New Millionaires

February 21, 2014 Saving a million dollars for your retirement is quite an accomplishment. Saving a million dollars in an average of 25.7 years in the federal Thrift Savings Plan is a really big accomplishment. As of December 2013, more than 1,600 TSP participants can say that they have done just that. Some...

Is the Grass Really Greener?

February 14, 2014 In the past couple of weeks, we’ve been exploring the issue of whether to stick it out in a federal career or make the leap to the private sector. That prompted some requests for help in evaluating the “should I stay or should I go?” question. Let’s look at a...

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